The money and banking system causes many social problems, including a housing crisis, high private debt, inequality, and financial crises, resulting in recessions and depressions. There is a democratic deficit in the way monetary policy is carried out. Positive Money is focused on systemic change of money and banking, to support a fair, democratic, and sustainable economy. To increase economic resilience we work to implement a sovereign money system to gain democratic control and transparency over the creation of money. This includes removing implicit subsidies to banks, allowing for greater diversity in banking services; increasing monetary and fiscal policy cooperation; and implementing a new monetary policy tool; ?monetary financing?.